Can I get a mortgage with a CCJ?

Yes — it's possible, though it depends on the details. Key factors are: when the CCJ was registered (the older the better), how much it was for (smaller is better), whether it's been satisfied or is still outstanding (satisfied is much better), and how many CCJs are on your file. Specialist lenders look at all these factors rather than simply declining because a CCJ exists.

How long does a CCJ stay on my credit file?

A CCJ remains on your credit file for 6 years from the date of registration, regardless of whether you pay it off. After 6 years it falls off automatically. Paying the CCJ (satisfying it) changes its status on your file to 'satisfied' — which is viewed more favourably by lenders — but it doesn't remove it.

Does it make a difference if my CCJ is satisfied?

Yes, significantly. A satisfied CCJ — one that has been paid in full — is viewed much more favourably than an unsatisfied one. Many lenders who won't consider an unsatisfied CCJ will consider a satisfied one, particularly if it's more than 1–2 years old. If you have an outstanding CCJ, it's usually worth satisfying it before applying for a mortgage.

How much deposit will I need with a CCJ?

Typically more than a standard applicant — usually 15–25% depending on the nature and age of the CCJ. A small, old, satisfied CCJ might require just 10–15%. A large, recent, unsatisfied CCJ may require 25% or more. We'll give you a precise estimate based on your specific situation.

Will I pay a higher interest rate because of a CCJ?

Yes — specialist lenders charge higher rates than mainstream lenders to reflect the additional risk. However, once your CCJ falls off your credit file (6 years after registration), or once you have 2–3 years of clean credit history, you may be able to remortgage at a standard rate. Many of our CCJ clients use us for both the initial mortgage and the subsequent remortgage.

CCJ Specialists — Confidential Advice

Mortgage with a CCJ in Manchester

A County Court Judgement on your credit file doesn't automatically mean no mortgage. The details matter enormously — and we know exactly which specialist lenders will look at your case fairly.

All conversations are completely confidential. We assess your situation honestly before recommending any lender — we won't submit applications we don't believe will succeed.

Satisfied and unsatisfied CCJs considered
We assess age, amount, and context
Access specialist adverse credit lenders
Soft credit search — no footprint at assessment
Help you understand your credit report
Free, confidential, no-obligation advice

Book Confidential Consultation Call 0161 000 0000

Your home may be repossessed if you do not keep up repayments on your mortgage. MortgageReady is authorised and regulated by the FCA.

CCJ Mortgage Assessment

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Authorised broker
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48-Hour Decision
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Manchester & beyond

What Lenders Look At

The 6 Factors That Determine Your CCJ Mortgage Options

No two CCJ cases are the same. These factors all influence which lenders will consider your application and at what rate.

Factor

Favourable

Challenging

Impact

Age of CCJ

3+ years old

Under 12 months old

High impact

Amount

Under £500

Over £3,000

Medium impact

Satisfied?

Satisfied (paid)

Unsatisfied (outstanding)

High impact

Number of CCJs

1 CCJ

3 or more CCJs

High impact

Credit since CCJ

2+ years clean credit

Further missed payments

High impact

Deposit

20%+

5–10%

Medium impact

These are general guidelines. Lender criteria change regularly — we assess your specific situation against current market criteria.

Should You Pay It First?

Satisfying Your CCJ Before Applying

If you have an outstanding (unsatisfied) CCJ, it's usually worth satisfying it before applying for a mortgage — even if it means delaying your application.

A satisfied CCJ opens up significantly more lender options and typically results in a better interest rate. The cost of paying the CCJ can often be recouped within months through the lower mortgage rate.

Contact the creditor or court to arrange payment
Get written confirmation once satisfied
Register of Judgements updates within 1 month
We can often find a lender while you pay

Our Approach to CCJ Cases

We review your full credit file before advising — no guesswork
We use soft searches at assessment to protect your credit score
We only apply to lenders we're confident will consider your case
We explain what rate to expect and why — full transparency
We help you plan for a standard-rate remortgage once your credit recovers

CCJ Mortgage FAQs

Confidential advice, no judgement. Call 0161 000 0000 for a free assessment.

Confidential CCJ Assessment

Tell us about your CCJ and we'll tell you honestly what's possible. No judgement, no hard sell — just honest, regulated advice.

Book Confidential Consultation

Your home may be repossessed if you do not keep up repayments on a mortgage.

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A CCJ Doesn't Have to Mean No Mortgage

The details matter. Let us review your situation and find what's genuinely possible.

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Mortgage with a CCJ in Manchester

A County Court Judgement on your credit file doesn't automatically mean no mortgage. The details matter enormously — and we know exactly which specialist lenders will look at your case fairly.

All conversations are completely confidential. We assess your situation honestly before recommending any lender — we won't submit applications we don't believe will succeed.

Satisfied and unsatisfied CCJs considered

We assess age, amount, and context

Access specialist adverse credit lenders

Soft credit search — no footprint at assessment

Help you understand your credit report

Free, confidential, no-obligation advice

Your home may be repossessed if you do not keep up repayments on your mortgage. MortgageReady is authorised and regulated by the FCA.

Satisfying Your CCJ Before Applying

If you have an outstanding (unsatisfied) CCJ, it's usually worth satisfying it before applying for a mortgage — even if it means delaying your application.

Contact the creditor or court to arrange payment

Get written confirmation once satisfied

We can often find a lender while you pay